CN108431847A - Determine digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent method - Google Patents

Determine digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent method Download PDF

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Publication number
CN108431847A
CN108431847A CN201680075919.4A CN201680075919A CN108431847A CN 108431847 A CN108431847 A CN 108431847A CN 201680075919 A CN201680075919 A CN 201680075919A CN 108431847 A CN108431847 A CN 108431847A
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CN
China
Prior art keywords
wallet
transaction
currently
data
digital wallet
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201680075919.4A
Other languages
Chinese (zh)
Inventor
S·古普塔
A·莎兰
M·普拉卡什
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to SG10201508866SA priority Critical patent/SG10201508866SA/en
Priority to SG10201510818R priority
Priority to SG10201510818RA priority patent/SG10201510818RA/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to PCT/US2016/067472 priority patent/WO2017116794A1/en
Publication of CN108431847A publication Critical patent/CN108431847A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23Updating
    • G06F16/2379Updates performed during online database operations; commit processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying
    • G06F16/245Query processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24Querying
    • G06F16/245Query processing
    • G06F16/2457Query processing with adaptation to user needs
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0201Market data gathering, market analysis or market modelling

Abstract

It is a kind of for determine by digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent computer implemented method, the method includes:The relevant transaction data for being currently based on wallet of transaction of wallet is received and is currently based on, the transaction data for being currently based on wallet identifies the digital wallet account used by digital wallet user;One or more profiles related with the digital wallet owner are identified based on the transaction data for being currently based on wallet, the digital wallet owner is the owner of identified digital wallet account;History payment card transaction data are retrieved based on the one or more profiles identified, the history payment card transaction data are related to meeting multiple history payment card transactions of multiple Payment Card owners of all identified one or more profiles, and the prediction of the buying behavior of the designation number wallet owner;And compares the transaction data for being currently based on wallet and history payment transaction data and be currently based on whether the transaction of wallet is fraudulent with determination.

Description

Determine whether the transaction that digital wallet Client-initiated is currently based on wallet is fraudulent Method
Cross reference to related applications
This application claims the applications for the Singapore patent patent application serial numbers 10201510818R that on December 31st, 2015 submits The priority and right of day, entire contents are incorporated herein by reference.
Technical field
The present invention extensively but not exclusively relate to for determine be currently based on wallet transaction whether be fraudulent method.
Background technology
Digital wallet allows the owner to use electronic money payment shopping fund.The example of digital wallet be for example respectively by Google's wallet, apple bankbook, the Microsoft's wallet of the digital wallets provider such as Google, apple and Microsoft offer.Under normal conditions, number Word wallet is a part for mobile-payment system, and mobile-payment system allows the owner using their mobile device (such as intelligence Mobile phone) it is paid.For example, the digital wallet owner can be led to by scanning bar code or touching mobile device near field Machine is believed to be paid to the shopping in solid shop/brick and mortar store.The digital wallet owner can also use computing device to be paid for on-line purchase Money.Digital wallet allows quickly and simply to merchandise.It also allows the digital wallet owner more easily to track his or her flower Take.Digital wallet is becoming increasingly popular, while also speculating that physics wallet can be replaced quickly by digital wallet.
One of the main problem that digital wallet provider faces is that fraudulent uses digital wallet.Although digital wallet is usual It is by encrypted, but fraudster may cheat the digital wallet owner and provide it sensitive information.This is typically by cheating Person disguises oneself as financial institution, such as digital wallet provider or bank, it is desirable that provide sensitive information to carry out.Due to digital wallet The Payment Card details of the owner may be included, and the bank account of the owner may be associated with its digital wallet, so number The fraudulent of word wallet is using all may being harmful to digital wallet provider and the owner.
Therefore need to provide is for the determining transaction for being currently based on wallet for solve one or more above problems No is the method for fraudulent.
In addition, from subsequent detailed description and appended claims in conjunction with attached drawing and the background technology of the disclosure, other Desired features and characteristics will become obvious.
Invention content
According to the first aspect of the invention, it provides one kind and money being currently based on by digital wallet Client-initiated for determining Packet transaction whether be fraudulent computer implemented method, the method includes:
The related transaction data for being currently based on wallet of transaction of wallet is received and is currently based on, it is described to be currently based on wallet Transaction data identify the digital wallet user digital wallet account to be used;
One or more profiles related with the digital wallet owner are identified based on the transaction data for being currently based on wallet Feature, the digital wallet owner are the owners of identified digital wallet account;
History payment card transaction data, the history Payment Card are retrieved based on the one or more profiles identified Transaction data is related to meeting multiple history branch of multiple Payment Card owners of all identified one or more profiles Pay card transaction, and the prediction of the buying behavior of the designation number wallet owner;And
Compare the transaction data for being currently based on wallet and the history payment transaction data and wallet is currently based on determination Whether transaction is fraudulent.
The relevant transaction data for being currently based on wallet of transaction for receiving and being currently based on wallet can also include to current Transaction allocation based on wallet cheats score, and the transaction that the fraud score instruction is currently based on wallet is the possibility of fraudulent Property.
Compare the transaction data for being currently based on wallet and history payment transaction data to determine the transaction for being currently based on wallet Whether is fraudulent can also include:
The fraud score is updated when the transaction for being currently based on wallet is determined as fraudulent.
Compare the transaction data for being currently based on wallet and the history payment transaction data can also include will be described Fraud score is compared with predetermined threshold.
When the fraud score is more than the predetermined threshold, the transaction for being currently based on wallet, which can be determined that, is Fraudulent.
This method may further include following steps:
It obtains digital wallet user and initiates the mark of the businessman of the transaction for being currently based on wallet with it;And
By the mark of the businessman and businesses lists be compared to determine the transaction for being currently based on wallet whether be Fraudulent, the businesses lists include being identified as not being authorized to the businessman for initiating transaction.
This method can also include being taken advantage of described in update when the transaction for being currently based on wallet is determined as fraudulent The step of cheating score.
This method may also comprise the following steps::
Determine current production data associated with the transaction for being currently based on wallet;And
The current production data and product data list are compared to determine the transaction for being currently based on wallet Whether it is fraudulent, the product data list includes the product bought via the digital wallet owner.
This method may further include following steps:
Determine the login attempt number of the digital wallet account of the digital wallet owner.
This method may further include following steps:
The digital wallet equipment used in the transaction of wallet is currently based on described in identification;And
The digital wallet equipment and one or more digital wallet equipment are compared to determine described be currently based on Whether the transaction of wallet is fraudulent, and one or more of digital wallet equipment include being authorized to represent the digital wallet The equipment that the owner initiates the transaction based on wallet.
This method may also comprise the following steps::
When the transaction of wallet is currently based on described in the determination is fraudulent, to being included in one or more digital wallet equipment In digital wallet equipment send checking request;And
Based on the transaction for being currently based on wallet described in verification input clearing.
According to the second aspect of the invention, it provides one kind and money being currently based on by digital wallet Client-initiated for determining The transaction of packet whether be fraudulent device, which includes:
At least one processor;And
At least one processor including computer program code;
At least one processor and the computer program code are configured as making using at least one processor Described device is at least:
The related transaction data for being currently based on wallet of transaction of wallet is received and is currently based on, it is described to be currently based on wallet Transaction data reference numbers cafe user digital wallet account to be used;
It is identified and the relevant one or more profiles of the digital wallet owner based on the transaction data for being currently based on wallet Feature, the digital wallet owner are the owners of identified digital wallet account;
History payment card transaction data, the history Payment Card are retrieved based on the one or more profiles identified Transaction data is related to meeting multiple history branch of multiple Payment Card owners of all identified one or more profiles Card transaction is paid, and indicates the prediction of the buying behavior of the digital wallet owner;And
Compare the transaction data for being currently based on wallet and the history payment transaction data with the determination current base In the transaction of wallet whether be fraudulent.
According to the third aspect of the invention we, it provides and a kind of being stored thereon with the computer-readable of computer program code and deposit Storage media, the computer program code make the computer execute the side as limited in first aspect when being executed by computer Method.
Description of the drawings
According to following written description, only it is used as example, with reference, those skilled in the art will be more preferable geographical Solution and clear the embodiment of the present invention, wherein:
Figure 1A shows the block diagram for the transaction system that can receive transaction data wherein.
Figure 1B shows how payment network server shown in Figure 1A according to the ... of the embodiment of the present invention can be with fraud Determine the block diagram that server is communicated.
Fig. 2A shows the digital wallet owner for predicting to meet profile of explanation according to example embodiment The flow chart of the computer implemented method of buying behavior.
Fig. 2 B show that the determination that is used for of explanation according to example embodiment is currently based on money by digital wallet Client-initiated Packet transaction whether be fraudulent computer implemented method flow chart.
Fig. 3 shows the schematic diagram for being adapted for carrying out the computer system of method shown in Fig. 2 B.
Fig. 4 shows the exemplary computer device for realizing the server that server is determined for fraud shown in Figure 1B.
Specific implementation mode
With reference to attached drawing, the embodiment of the present invention is only described by way of example.Similar reference numeral and character in attached drawing Indicate identical element or equivalent.
The some parts of following description are according to the algorithm and function or symbol of the operation to the data in computer storage It number indicates either explicitly or implicitly to present.These algorithm descriptions and function or symbolic indication are the technical staff of data processing field For the essence that they work most effectively to be communicated to the means of others skilled in the art.Algorithm is usually recognized herein To be self the consistent step sequence caused expected result.These steps are the steps for needing to carry out physical quantity physical manipulation Suddenly, it such as can store, transmit, combination, the electricity for comparing and otherwise manipulating, magnetically or optically signal.
Unless otherwise specified, it is readily apparent that it should be understood that in entire this specification and from the following contents In, using such as " scanning ", " calculating ", " determination ", " replacement ", " generation ", " initialization ", " output ", " reception ", " retrieval ", " identification ", " clearing ", " update ", the terms such as " comparison " refer to by be expressed as in computer system physical quantity data manipulation and It is converted into the other data of physical quantity being similarly represented as in computer system or other information storage, transmission or display equipment Computer system or similar electronic equipment action and process.
This specification also discloses the device of the operation for executing these methods.Such device can be for required mesh And special configuration, or may include selectively being activated or reconfigured by by the computer program for storing in a computer Computer or other equipment.Algorithm given here and display are not inherently related to any specific computer or other dresses It sets.According to the teaching of this article, various machines can be used together with program.Alternatively, structure executes required method and step more Special arrangement may be appropriate.The structure of computer will be evident from the following description.
In addition, this specification also implicitly discloses a kind of computer program, because to those skilled in the art It is readily apparent that each step of method described here can be implemented by computer code.Computer program not purport It is being limited to any specific programming language and its realization.It should be understood that can be come using various programming languages and its coding Realize the introduction for the disclosure for including herein.Moreover, the computer program is not intended to be limited to any specific control flow.Meter There are many more other variants for calculation machine program, they can use different control flows without departing from the spirit or model of the present invention It encloses.
In addition, the one or more steps of computer program can be parallel rather than be sequentially performed.This computer journey Sequence can be stored on any computer-readable medium.Computer-readable medium may include that the storage of such as disk or CD is set Standby, memory chip or suitable for other storage devices with computer interface.Computer-readable medium can also include for example The hard-wired media illustrated in Internet system, such as the wireless medium that is illustrated in gsm mobile telephone system.When When loading and execute on such computer, which effectively results in the device for the step of realizing preferred method.
Various embodiments of the present invention relate to determining the transaction that wallet is currently based on by digital wallet Client-initiated Whether be fraudulent method.In one embodiment, this method is computer implemented method, is currently based on by comparing The transaction data of wallet and history payment transaction data determine currently by transaction of the digital wallet Client-initiated based on wallet Whether it is fraudulent.
In the following description, Payment Card is the card that can be used to be traded with businessman by account-holder.It is retouched following In stating, term " Payment Card " refers to any suitable transactional cards, such as credit card, debit card, prepaid card, rechargeable card, member card, Card, frequent flight passenger card, tag card, Gift Card and/or any other equipment that payment account information may be kept are promoted, such as is moved Phone, smart phone, personal digital assistant (PDA), key card and/or computer.Each type of Payment Card can be used as Execute the method for payment of transaction.
In the following description, digital wallet is the digital money that can be used to be traded with businessman by the digital wallet owner Packet account.Digital wallet is generally associated with the bank account of the digital wallet owner or the Payment Card of the digital wallet owner.It is logical Often, the payment of digital wallet is by such asOrEtc different entities facilitate.Use number This transaction that word wallet carries out is also referred to as the transaction based on wallet.
In the following description, account-holder may refer to the Payment Card owner or the digital wallet owner.Specific real It applies in example, the Payment Card owner can also be the digital wallet owner.For example, the Payment Card owner can be by his or her payment Card is registered to digital wallet account, which makes the qualification of the Payment Card owner acquirement digital wallet owner.Visitor Family may refer to the side for initiating transaction.It merchandises for digital wallet, client may be referred to as digital wallet user.For payment Card transaction, client may be referred to as paying card user.In some embodiments, account-holder can be the friendship initiated with businessman Easy client.In one example, payment card holder can initiate the transaction with businessman, with use his or her Payment Card from Businessman buys commodity and/or service (or being " product ").In this example, account-holder is exactly client.In other words, Account-holder may not be client.In another example, client can initiate the transaction with a businessman, to use his Digital wallet buys product from another businessman.In one embodiment, transaction is payment transaction.In other words, transaction is complete At or clearing be related to payment between Trading parties.In an embodiment of the present invention, transaction is the transaction based on wallet.The calculating The method that machine is realized determines whether the transaction that digital wallet Client-initiated is currently based on wallet is fraudulent.Implement at one In example, if digital wallet user is not the real digital wallet owner, the transaction for being currently based on wallet is determined as Fraudulent.The transaction for being currently based on wallet can be only in the case where determining that it is not fraudulent to be currently based on the transaction of wallet It could complete.In other words, current base can just only be completed when digital wallet user is the real digital wallet owner In the transaction of wallet.
Figure 1A shows the block diagram for the transaction system 100 that can receive transaction data wherein.System 100 includes and businessman The traction equipment 102 that equipment 104 communicates.Traction equipment 102 can also with 108 direct communication of payment network server, without It is communicated with merchant device 104.In a particular embodiment, traction equipment 102 can also be straight with the network server 114 based on wallet Letter is connected, without being communicated with merchant device 104.
Merchant device 104 is communicated with acquirer's server 106.Acquirer's server 106 again with payment network service Device 108 and network server 114 based on wallet are communicated.Payment network server 108 again with publisher's server 110 into Row communication.In a particular embodiment, acquirer's server 106 can also be communicated with publisher's server 110 based on wallet Network server 114 communicated.
Single computing device can be indicated used here as term " server " or is operated together to execute the more of specific function The computing device of a interconnection.That is, server may be embodied in single hardware cell, or it is distributed in several or many In different hardware cells.
Traction equipment 102 is usually by merchandising and being used as the transaction occurred between traction equipment 102 and merchant device 104 The client of one side is associated.Traction equipment 102 can be fixed (wired) computing device or wireless (portable) computing device. In specific implementation, traction equipment 102 can be the hand-held or portable or mobile equipment that client carries or uses, Huo Zheke To refer to other kinds of electronic equipment, such as personal computer, landline telephone or interactive voice response (IVR) system Deng.Mobile device can be such as mobile phone, laptop computer, personal digital computer (PDA), mobile computer, just Take formula music player (such as iPodTMDeng) equipment.Traction equipment 102, which can be configured as, initiates payment card transaction or is based on At least one of transaction of wallet.Traction equipment 102 can also be referred to as digital wallet equipment.
Merchant device 104 is usually by merchandising and being also the transaction occurred between traction equipment 102 and merchant device 104 The businessman of one side is associated with.Merchant device 104 can be point of sale (POS) terminal, ATM (ATM), personal computer, meter Calculation machine server (its such as trustship website), IVR system, landline telephone or any kind of mobile device, such as move Phone, personal digital assistant (PDA), laptop computer, tablet computer etc..
Acquirer's server 106 is usually associated with acquirer, which can be that distribution (such as is established, management and control, managed Reason) transaction voucher of businessman or the entity (such as company or tissue) of account (such as Bank Danamon account).The example of acquirer Including bank and/or other financial institutions.As described above, acquirer's server 106 may include one or more computing devices, The one or more computing device is used to build by transmitting information with other server exchange message and/or to other servers The vertical communication with other servers.
Payment network server 108 is usually associated with payment services quotient (facilitator).For example, payment network service Device 108 can beOperationNetwork.It is practical although description and explanation in the singular Upper payment network server 108 would be typically implemented as multiple networked servers.Payment services quotient (such as) Can be operated to handle the entity to disburse funds between two transaction, clearance and clearing entities (such as Liang Jia banks) (such as company or tissue).Payment network server 108 may include one or more computing devices for handling transaction.
Network server 114 based on wallet is usually associated with the service provider based on wallet.For example, the net based on wallet Network server 108 can be byOrThe server of operation. Based on wallet service provider (such asOr) can be operated with based on wallet Environment in the reality to disburse funds between two transaction of the processing based on wallet, cleaning and clearing entities (such as Liang Jia banks) Body (such as company or tissue).Network server 114 based on wallet may include based on the one or more for handling transaction Calculate equipment.
Publisher's server 110 it is usually associated with publisher and may include for execute the one of payment transaction or Multiple computing devices.Publisher can be distribution (such as establish, management and control, manage) transaction voucher or account (such as Bank Danamon Account) entity (such as company or tissue).Account can be associated with multiple traction equipments 102.
Payment network server 108, which can be configured as, to be communicated or can wrap with database (or transaction data base) 109 Include database (or transaction data base) 109.Transaction data base 109 stores the data (or transaction data) corresponding to transaction.Data Example include transaction id, Merchant ID, Merchant name, MCC/ industry codes, industry description, businessman country, seller addresses, businessman Postcode, polymerization Merchant ID.For example, database 109 includes data (" Merchant name " or " businessman related with businessman ID "), the time and date that will be delivered with the relevant commodity/service of merchandising.In other embodiments, payment network server 108 can be additionally configured to communicate with another database 140 or may include another database 140.Database 140 can To include the data corresponding to the Payment Card owner.The example of the data includes name related with the Payment Card owner, age Group, income group, address, gender etc..
In one embodiment, payment network server 108 can be configured as communicated with third party database 120 or It may include third party database 120.Third party database 120 can store third number formulary associated with the Payment Card owner According to.Third-party example is global information service company (such as Experian PLC).The example of third party's data includes but not It is limited to profile information related with the Payment Card owner.
Traction equipment 102 can be used to be carried out wireless communication with 104 suitable agreement of merchant device.For example, can make Embodiment is realized with the traction equipment 102 that can be communicated with the merchant device 104 for enabling WiFi/ bluetooths.This field skill Art personnel will be understood that according to used wireless communication protocol, it may be necessary to execute hand shake procedure appropriate to establish Communication between traction equipment 102 and merchant device 104.For example, in the case of Bluetooth communication, traction equipment 102 and businessman The discovery and pairing of equipment 104 can be performed to establish communication.
In one example, during payment card transaction, transaction request message 112 generates at traction equipment 102.Transaction Request message 112 is generated by traction equipment 102 in response to commodity and/or service that client's selection will be bought from businessman.Change sentence It talks about, transaction request message 112 is associated with the transaction between client and businessman.Transaction can be carried out by the website of businessman. In specific implementation, traction equipment 102 can be equipped with the wireless communication interface of such as near-field communication (NFC) interface etc So that traction equipment 102 can carry out electronic communication to execute transaction with merchant device 104.NFC is one group of standard, is set by making It is standby in close proximity to for example only several centimetres every establishing the radio communication between equipment.NFC standard covers communication protocol sum number According to exchange format, and it is based on radio frequency identification (RFID) technology.
Transaction request message 112 may include indicator related with traction equipment 102 and/or transaction data.It is each to hand over Easy data are related with transaction and usually identify Payment Card by identifier associated with the Payment Card owner and businessman respectively The owner and businessman.In addition, transaction data can also identify the type or property of the commodity to be bought and/or service and transaction Matter.Transaction data can further identify commodity and/or service value or price (such as transaction amount) and commodity and/or Service the position that will be delivered.Transaction data also can indicate that transaction is paid for the time and date of card owner initiation.
Network server 114 based on wallet, which can be configured as, to be communicated with database 118 or may include database 118.Database 118 store corresponding with each digital wallet registered by digital wallet owner data and with phase of merchandising Corresponding data.The example of the data includes data related with for registering the Payment Card of digital wallet.In one embodiment In, the list listed and be authorized to the digital wallet equipment for initiating the transaction based on wallet can be stored.
In another example, during the transaction based on wallet, at traction equipment 102 generate the transaction based on wallet ask Seek message 116.Transaction request message 116 based on wallet is by traction equipment 102 in response to client (or digital wallet owner) Selection will be generated from commodity and/or the service of businessman's purchase.In other words, the transaction request message 116 based on wallet and number The transaction based on wallet between the word wallet owner and businessman is related.The transaction can be carried out by the website of businessman.It is similar In transaction request message 112, the transaction message 116 based on wallet may include indicator related with traction equipment and/or friendship Easy data.
Following kind of transaction data can be included in transaction request message 112 or the transaction request message based on wallet In 116, can in payment card transaction or generate in transaction data base 109,118 respectively when being initiated based on purse transaction and Capture:
Transaction Information:-
● transaction id
● account ID (anonymity)
● Merchant ID
● transaction amount
● the transaction local currency amount of money
● trade date
● exchange hour
● type of transaction
● the processing date
● there are codes by card holder
● businessman's class code (MCC)
Account (or profile material) information:-
● account ID (anonymity)
● card group code
● card product code
● card product description
● card issuing country
● card issuing ID
● card issuing title
● polymerization card issuing ID
● polymerization card issuing title
Business Information:-
● Merchant ID
● Merchant name
● MCC/ industry codes
● industry describes
● businessman country
● seller addresses
● merchant zip code
● polymerization Merchant ID
● polymerization Merchant name
● businessman acquirer country
● businessman acquirer ID
Publisher's information:-
● publisher ID
● publisher's title
● polymerization publisher ID
● publisher country
Transaction request message 112 or transaction request message 116 based on wallet are sent to merchant device from traction equipment 102 104.In the disclosed embodiment, for example, in transaction in the case where being executed on the website of businessman, traction equipment 102 and quotient Family's equipment 104 is communicated with the network of such as internet (being for simplicity not shown) etc.In this example, transaction is asked Message 112 or the transaction request message 116 based on wallet is asked to be sent to merchant device 104 via network from traction equipment 102.
As described above, the effect of payment network server 108 or the network server 114 based on wallet is to facilitate acquirer Communication between server 106 and publisher's server 110.Therefore, payment network server 108 or the network clothes based on wallet Business device 114 can be served as can be taken in a manner of it can execute payment and certification with publisher its acquirer's server 106 The means that business device 110 is communicated.In specific implementation, payment network server 108 or the network service based on wallet Device 114 receives transaction data when merchandising for customer statement, and then stored in database 109 or database 118 respectively/more New Transaction data.
Network server 114 based on wallet can be different from payment network server 108 and be taken independently of payment network Business device 108.In specific implementation, payment network server 108 is additionally configured to execute additional operations.For example, payment net Network server 108 can be configured as updates number whenever paying card holder and his Payment Card is registered to digital wallet account According to library 109.In addition, payment network server 108 can be additionally configured to determine whether the transaction for being currently based on wallet is fraud Property.In the following description, " current transaction " refers to the transaction initiated by user (or client), be intended to be different from current The transaction settled accounts or initiated before transaction is relevant " historical trading ".That is, " transaction for being currently based on wallet " is Refer to just in the transaction based on wallet of clearing, intention is different from and in the settlement of transactions or initiation for being currently based on wallet Transaction based on wallet is relevant " transaction of the history based on wallet ".Equally, " current payment card transaction " refers to by digital wallet Client-initiated payment card transaction is intended to the Payment Card for being different from having settled accounts or initiated before current payment card transaction It merchandises relevant " history payment card transaction ".
Such as, if it is desired to determination is currently based on whether the transaction of wallet is fraudulent, then payment network server 108 It is configured as retrieving history payment card transaction data based on the transaction data for being currently based on wallet, and compares and be currently based on wallet Transaction data and history payment transaction data.The transaction data for being currently based on wallet is related to the transaction for being currently based on wallet, And history is related to transaction of the history based on wallet based on the transaction data of wallet.Be currently based on wallet transaction data and History payment transaction data can include 116 He of transaction request message being respectively included in based on wallet such as listed above Transaction Information, account (or profile) information, Business Information, publisher's information in transaction request 112.Payment network server 108 may include one or more computing devices for handling transaction.
Above-mentioned transaction authorization process is related to multi-party (such as account-holder, businessman, acquirer, publisher, payment services Quotient).(have however, transaction authorization process can substantially be considered as the transaction between account-holder and businessman and facilitate transaction Its other party).
How Figure 1B can configure payment network server 108 to determine with fraud according to embodiments of the present invention if being shown Server 122 is communicated.Fraud determines that server 122 can be associated with the entity different from payment services quotient.For example, taking advantage of Swindleness determines that server 122 can determine entity which transaction may be with fraudulent (such as company or group by being operated Knit) it operates.Payment network server 108, which can be configured as, executes some or all functions that fraud determines server 122. Additionally or alternatively, instead of payment network server 108, the server 114 based on wallet, which can be configured as, executes fraud Determine some or all functions of server 122.It is taken from payment network for example, fraud determines that server 122 can be configured as Business device 108 receives history payment card transaction data and is currently based on the transaction data of wallet, and the transaction that will be currently based on wallet Whether the transaction that data are compared to determine to be currently based on wallet with multiple history payment transaction data is fraudulent.
Fig. 2A show explanation according to example embodiment for the predicted figure wallet owner for the friendship based on wallet The flow chart 200 of the computer implemented method of easy buying behavior, particularly, the digital wallet owner meets profile. Other than other items, profile can refer to age group, gender group, income group and geographical group.It is included in profile information Address gives the instruction in the geographical location of the Payment Card owner.
With reference to figure 2A, in step 202, identification had into the matched profile of profile with the digital wallet owner The Payment Card owner.This can be by reference to the profile information of the Payment Card owner registered using corresponding Payment Card come complete At.In one implementation, this method is implemented as the number by being in year age group (for example, 25 years old to 30 years old) The buying behavior for the transaction predicted figure wallet owner based on wallet that the wallet owner is made.In this realization method In, profile is age group.
For doing so, the database of the profile of the reference of the payment network server 108 storage Payment Card owner, with Just those of the profile that identification matches with the profile with the digital wallet owner Payment Card owner.In addition to it Outside his information, the profile of the Payment Card owner stored includes name related with the Payment Card owner, age group, receipts Enter group, address, gender etc..
Based on profile information, can identify have it is more with the matched profile of profile of the digital wallet owner A Payment Card owner.For example, can be identified 25 years old to 30 by reference to the correspondence age group indicated in each profile information Multiple Payment Card owners in the age group in year.It in another example, can be by reference to being indicated in each profile information Corresponding income information identify multiple Payment Card institutes in specific income group (such as between annual $ 100000 to $ 200000) The person of having.Among other things, each demographics group is related to paying the age of card holder, gender, income group in group.In another example In son, can by reference to the corresponding address information indicated in each profile information come identify stay in specific geographic position (such as California, USA) multiple Payment Card owners.The step is referred to as segmentation (segmenting) or classifies, And each demographics group can be referred to as " segmentation (segment) ".
In one embodiment, by profile information and the third party's Data Matching for being associated with the Payment Card owner.At one In example, the profile information and Experian of identificationTMData are compared and match, and own with digital wallet to identify to have The multiple Payment Card owners for the profile that the profile of person matches.
Once the Payment Card owner is identified, payment network server 108 by inquire transaction data base 109 retrieve with For the related historical trading data of multiple historical tradings of multiple Payment Card owners clearing.
After performing step 204, step 206 can be executed.Step 206 is related to from the historical trading data retrieved The Transaction Information and Business Information for identifying the identified Payment Card owner, to export the multiple Payment Card owners' identified Buying behavior.Among other information, Transaction Information further includes transaction amount.Transaction amount provides the Payment Card owner usually every The instruction of the amount of money spent in a transaction categories.Transaction categories can be related to the businessman of specific industry description or the position of businessman. This contributes to the buying behavior for exporting the Payment Card owner.
As described above, other than other information, transaction categories further include mark (such as Merchant ID and/or the industry of businessman Description).In this way, the Payment Card owner that can be identified Yu be identified based on the corresponding mark of the businessman in historical trading data The businessman previously to have merchandised has been carried out.This, which allows to further to analyze the Payment Card owner, tends to initiate to merchandise with it The type of businessman.If it is necessary, will be analyzed using various algorithm/rules.
It additionally or alternatively, can be by reference to being stored with the position (example of each businessman in association with Merchant ID thereon Such as, postal address, lat/longitude) transaction data base 109 obtain the corresponding position of businessman.In this case, businessman Geographic position data may include Longitude and latitude coordinates and postal address.Latitude and longitude coordinate can be any suitable Format, such as:(i) it spends, divides and second (DMS), (ii) are spent and the decimal system point (DMM) and (iii) decimal system degree (DD).Payment Card institute The buying behavior for the person of having can be identified based on the position for the businessman for having transaction with it before them.
Typically, the client in particular fragments (such as payment card holder's sum number word card holder) tends to have similar Consumption habit or buying behavior.That is, the payment card transaction owner tends to the buying behavior of payment card transaction Similar to the digital wallet owner for the buying behavior of the transaction based on wallet.On the basis of this assumption, Payment Card can be based on The buying behavior of owner buying behavior of the predicted figure wallet owner to the transaction based on wallet in a step 208.
In specific implementation, the historical trading data of multiple Payment Card card holders is examined by payment network server 108 Rope and analysis.In this way, personal specific consumption habit is not gone through, and the anonymous quilt of Payment Card card holder It maintains.In addition, payment network server 108 is configured with true and time-sensitive historical trading data to create one group The segmentation of client (that is, Payment Card owner) is to identify the buying behavior of another group of client (i.e. the digital wallet owner).Number The buying behavior of the prediction of the wallet owner allow payment network server 108 accurately predict its following consumer behavior and because This effectively distributes resource.To those skilled in the art, various modifications may be obvious.Instead of payment network Server 108, other servers can be retrieved and analysis of history transaction data.For example, historical trading data can be by being based on money The server 114 of packet or fraud determine that server 122 is used for the consumer behavior of the predicted figure wallet owner.In one embodiment In, the buying behavior of prediction can be subsequently used in the potential fraudulent use of detection digital wallet.
Fig. 2 B show that the determination that is used for of explanation according to example embodiment is currently based on money by digital wallet Client-initiated Packet transaction whether be fraudulent computer implemented method flow chart 250.With reference to step 252, cheats and determine server 122 receive the transaction data for being currently based on wallet.The transaction data for being currently based on wallet is initiated currently in digital wallet user It is generated when transaction based on wallet.It should be noted that " the digital wallet user " that uses in the following description can be with index The word wallet owner or the people for initiating fraudulent transactions.
In one embodiment, it cheats and determines that acquiescence fraud score is distributed to the friendship for being currently based on wallet by server 122 Easily.Acquiescence fraud score is typically the numerical value of such as " 0 ", and based in one or more determining standards to being currently based on money The transaction of packet is analyzed to update the value of fraud score, this further will in detail be solved below with reference to step 254,256 and 258 It releases.Fraud score can be updated based on the result of the standard of determination.In general, being only determined as in the transaction for being currently based on wallet Just score is cheated in update when fraudulent.Under any circumstance, it is fraudulent that the instruction of fraud score, which is currently based on the transaction of wallet, Possibility.
In step 254, it cheats and determines the identification of server 122 one or more profiles related with the digital wallet owner Feature.Profile can be retrieved from account (or profile) information being currently based in the transaction data of wallet.
Then, identification meets the Payment Card owner of all profiles related with the digital wallet owner.As more than Described in Fig. 2A, other than other items, profile can especially refer to age group, gender group, income group and geography Group.
In step 204, it cheats and determines that server 122 retrieves history payment card transaction data.These history Payment Cards are handed over Easy data are related to multiple history payment that the Payment Card owner of one or more profiles by meeting all identifications carries out Card transaction.Information (such as Transaction Information and Business Information) in history payment card transaction data be used to export identified branch The buying behavior for paying the card owner, as explained in step 206 about Fig. 2A.
With reference to the description as described in Fig. 2A, it is assumed that in same segmentation, the buying behavior of the Payment Card owner is tended to similar In the buying behavior of the digital wallet owner.Based on this it is assumed that fraud, which determines that server 122 can compare, is currently based on wallet Transaction data and multiple history payment transaction data.For example, the owner of same segmentation tends in different businessman's classifications disappear Take the expense of similar proportion.Businessman's classification includes groceries, clothes, transport etc..In other words, in conventional businessman's class of particular fragments Over-expense transaction in the transaction initiated in classification except not or conventional businessman's classification will be considered as the diplomacy beyond buying behavior Easily.The various modifications of buying behavior can be obvious to those skilled in the art.For example, buying behavior can be The amount of money of transaction or bought article, rather than the consumption in businessman's classification.
Fraud determines that the analysis of server 122 is currently based on the transaction data of wallet and is with the determining transaction for being currently based on wallet It is no to match with about corresponding to buying behavior derived from the Payment Card owner identified.According to analysis result update fraud point Number.Specifically, fraud determine server 122 determine transaction whether be considered as the particular fragments the owner purchase row After interior transaction, update acquiescence fraud score.In one embodiment, if being currently based on the transaction of wallet and about institute Buying behavior matching is corresponded to derived from the Payment Card owner of identification, then it is all to be confirmed as digital wallet by digital wallet user Person.
Fraud score is determined before determining whether the transaction for being currently based on wallet has potential fraudulent, can hold final The various other determining steps of row.For example, the purchase of the transaction and the Payment Card owner identified in addition to wallet will be currently based on Except behavior is compared, Business Information associated with the transaction for being currently based on wallet can also be obtained whether to determine businessman It is authorized to and initiates transaction.For example, obtain digital wallet user initiates the mark of the businessman for the transaction for being currently based on wallet with it Know.Then, whether the transaction for being compared to determine the mark of businessman and businesses lists to be currently based on wallet is fraudulent. Businesses lists include being identified as not being authorized to the businessman for initiating transaction.That is, the businessman in the list can be known The businessman being put on the blacklist.If businessman is the businessman being put on the blacklist, which is considered as fraudulent transactions.Fraud Score will be updated according to the reliability of businessman associated with the transaction of wallet is currently based on.
Additionally or alternatively, it cheats determining server 122 and can be communicated with database 118 and owned to retrieve digital wallet The transaction data based on wallet of the history of person.The transaction data based on wallet of history may include such as history based on money The Transaction Information of the transaction of packet and the information of Business Information etc.Therefore, the transaction data based on wallet of history can provide The information of buying behavior about the digital wallet owner, such as the digital wallet owner are tended to initiate the quotient of transaction with it Family, the digital wallet owner tend to the type etc. of the product of purchase.Fraud determines that the analysis of server 122 is currently based on wallet Transaction data is to determine the transaction for being currently based on wallet purchase whether corresponding with derived from the transaction data based on wallet of history The behavior of buying matches.Fraud score is updated according to analysis result.
In one embodiment, it may be determined that current production data associated with the transaction for being currently based on wallet.For example, Current production data may include the classification for the product that digital wallet user is buying.Product data can with include by number The product data list of the product of wallet owner purchase is compared.Product data list can be from history based on wallet It is obtained in transaction data.Relatively current production data and include the product bought by the digital wallet owner product data row After table, fraud score is updated accordingly.For example, if the conventional products of current production data and the digital wallet owner purchase not Matching, then the transaction for being currently based on wallet is that the possibility of fraudulent transactions is larger.
Furthermore, it is possible to which determination is latent to detect for the number of the login attempt of the digital wallet account of the digital wallet owner Fraudulent transactions.Higher login attempt number show to be currently based on possibility of the transaction with risk of fraud of wallet compared with Greatly.In one embodiment, if number of attempt is more than to indicate that the transaction for being currently based on wallet is the predetermined of the possibility of fraud Threshold value is attempted, then updates fraud score, for example, if login attempt number is attempted more than predetermined threshold, is added to fraud score Enter predetermined score and is added or subtracts predetermined score.It will be understood to those of skill in the art that various modifications.For example, instead of scheduled threshold Value is attempted, for more than each trial once attempted plus or minus predetermined score.
In yet another embodiment, when transaction is initiated, the geographical location of the transaction based on wallet can be obtained.Example Such as, when the transaction based on wallet is initiated, the transaction data based on wallet includes Business Information, is handed over wherein initiation can be obtained Easy merchant location.Client often frequently patronizes same businessman, and in identical place shopping.It is currently based on by detection The position that the transaction of wallet carries out will be given for digital wallet and whether there is the instruction that any fraudulent uses.Specifically, If the transaction for being currently based on wallet is carried out with transaction identical geographical location of the past based on wallet, fraudulent makes Possibility is relatively low, and vice versa.Therefore fraud point can be updated based on the incident position of the friendship for being currently based on wallet Number.
In addition, the digital wallet owner can register one or more digital wallets under his or her digital wallet account Equipment so that the digital wallet equipment of registration, which is authorized to, initiates the transaction based on wallet.Each digital wallet equipment has such as Unique device identifier (UDID), Android device ID, International Mobile Station Equipment Identification (IMEI) number, media access control (MAC) identifier of address etc..In one embodiment, the digital wallet equipment of the transaction for initiating to be currently based on wallet The information of type can be sent together with the transaction data for being currently based on wallet.Transaction of the identification for initiating to be currently based on wallet Digital wallet equipment type, and it is compared with the one or more digital wallet equipment registered before, with determination Whether used digital wallet equipment, which is authorized to, is initiated transaction.Particularly, transaction of the identification for initiating to be currently based on wallet Digital wallet equipment identifier, and it is compared with the identifier of the digital wallet equipment of registration.It can be based on setting Standby whether be authorized to initiates to be currently based on the transaction of wallet to update fraud score.
Other determination standards include but not limited to the log duration of digital wallet account, digital wallet password service life, when The preceding transaction based on wallet and the similitude etc. between previous fraudulent transactions.
It is being determined as described above in standard after update fraud score, by newer fraud score and in advance one or more Determine threshold value to be compared.Predetermined threshold can be by assigning a weighting to the selected change of such as historical trading data and time etc It measures to calculate.In one embodiment, it uses and increases in response to the potential fraudulent in each determining standard in fraud score In the case of adding, when newer fraud score is more than predetermined threshold, the transaction for being currently based on wallet is confirmed as potential fraud Property use.On the other hand, the case where score is reduced in response to the potential fraudulent use in each determining standard is being cheated Under, when newer fraud score is less than predetermined threshold, the transaction for being currently based on wallet is confirmed as potential fraudulent use.
In one embodiment, it if the transaction for being currently based on wallet is confirmed as potential fraudulent and uses, merchandises It may be prevented from.Alternatively, the digital wallet owner can be required to provide verification input so that can be tested before transaction carries out Demonstrate,prove the identity of the owner.For example, when determining that be currently based on the transaction of wallet be fraudulent, checking request can be sent to by Authorize initiate the transaction based on wallet equipment inputted with requests verification, such as password, biometric data, inquiry it is scheduled Answer etc..If verification input is correctly (for example, if verification input, which corresponds to, is registered in the defeated of the digital wallet owner Enter, then it is correct to verify input), then being currently based on the transaction of wallet will be considered as really merchandising and being allowed to continue waiting for Clearing.Otherwise, fraudulent transactions will be considered as by being currently based on the transaction of wallet, and transaction will be rejected.
Determine that the fraudulent of digital wallet is used for ensuring that the safe ecosystem of the payment system is extremely important.Due to The Payment Card of difference segmentation and the digital wallet owner have different consumer behaviors, therefore the owner for different segmentations provides mark Quasi- fraud determines that method may be inaccurate.The embodiment of the present invention provide for determine be currently based on wallet transaction whether be The method of fraudulent.The relevant history payment transaction number of the Payment Card owner of retrieval and digital wallet owner's same segment According to, and export the buying behavior of the Payment Card owner.The transaction of wallet is currently based on to determine that it is fraud sexual intercourse with post analysis Easy possibility.Since this method uses the actual, historical data of the buying behavior of the reflection digital wallet owner in analysis, For determining that the method for fraudulent transactions may be more acurrate.Therefore, payment system may also be more efficient, because of wash sale False warning and the involved formality of verification owner's mark may substantially reduce.
Fig. 3 depicts illustrative computer/computing device 300, hereinafter interchangeably referred to as computer system 300, Wherein one or more such computing devices 300 can be used for promoting the execution of the above method, and wallet is currently based on determination Transaction whether be fraudulent.Further, it is possible to use the one or more components of computer system 300 realize computer 302.Being described below for computing device 300 only provides by way of example, and is not intended to be restrictive.
As shown in figure 3, Example Computing Device 300 includes the processor 304 for executing software routines.Although in order to clear For the sake of single processor is shown, but computing device 300 can also include multicomputer system.Processor 304 is connected to communication Infrastructure 306 with the other assemblies of computing device 300 to communicate.The communications infrastructure 306 may include such as communication bus, Cross type switch or network.
Computing device 300 further includes the main memory 308 and additional storage 310 of such as random access memory (RAM). Additional storage 310 may include such as memory driver 312, can be hard disk drive, solid state drive or combined drive Dynamic device and/or removable Storage driver 314, may include tape drive, CD drive, solid state storage drive (USB flash drive, flash memory device, solid state drive or storage card) etc..Removable Storage driver 314 is with many institute's weeks The mode known reads and/or is written movable storage medium 344 from movable storage medium 344.Movable storage medium 344 can To include tape, CD, the non-volatile memory storage medium etc. for being read and being written by removable Storage driver 314.Such as What those skilled in the relevant art will be understood that, movable storage medium 344 includes wherein being stored with computer executable program generation The computer readable storage medium of code instruction and/or data.
In substituting realization method, additional storage 310 can include additionally or alternatively for allowing computer Program or other instructions are loaded into other similar devices in computing device 300.This device may include for example removable deposits Storage unit 322 and interface 340.The example of removable memory module 322 and interface 340 includes that programming box and pod interface (are such as shown in Interface in video game console equipment), removable memory chip (such as EPROM or PROM) and associated socket, can Mobile solid state storage drive (such as USB flash drive, flash memory device, solid state drive or storage card) and other permissions Software and data are transferred to the removable memory module 322 and interface 340 of computer system 300 from removable memory module 322.
Computing device 300 further includes at least one communication interface 324.Communication interface 324 allows software and data via logical It is transmitted between computing device 300 and external equipment in letter path 326.In various embodiments of the present invention, communication interface 324 permits Perhaps data transmit between computing device 300 and data communication network (such as common data or private data communication network).It is logical Letter interface 324 can be used for the swapping data in different computing devices 300, these computing devices 300 form interconnecting computer A part for network.The example of communication interface 324 may include modem, network interface (such as Ethernet card), communication Port (such as serial, parallel, printer, GPIB, IEEE 1394, RJ45, USB), the antenna etc. with associated circuit.It is logical Letter interface 324 can be wired or can be wireless.Via communication interface 324 transmit software and data be can be energy The signal form of enough electronics, electromagnetism, optics or other signals received by communication interface 324.These signals are via communication path 326 are provided to communication interface.
As shown in figure 3, computing device 300 further includes the operation executed for by image rendering to associated display 330 Display interface 302 and execute for via associated loud speaker 334 play audio content operation audio interface 332.
As it is used herein, term " computer program product " can partly refer to movable storage medium 344, removable Dynamic storage unit 322, the hard disk in memory driver 312 are held by communication path 326 (Radio Link or cable) Carrier wave of the load software to communication interface 324.Computer readable storage medium is directed to the instruction that computing device 300 provides record And/or data for execute and/or handle any non-transitory, non-volatile tangible media.This storage medium Example include tape, CD-ROM, DVD, Blu-rayTMDisk, hard disk drive, ROM or integrated circuit, solid state storage drive (USB flash drive, flash memory device, solid state drive or storage card), hybrid drive, magneto-optic disk or SD card etc. Computer-readable card, no matter these equipment are in the inside or outside of computing device 300.It can also participate in computing device 300 provide software, application program, instruction and/or the non-transitory of data or the example of non-physical computer-readable transmission medium Network connection including radio or infra-red transmission channel and to another computer or networked devices, and including electronics The internet or Intranet of the information of mail transmission and record on a website or the like.
Computer program (also referred to as computer program code) is stored in main memory 308 and/or additional storage 310 In.Computer program can also be received via communication interface 324.These computer programs make computing device 300 when executed It is able to carry out the one or more features of embodiment discussed herein.In various embodiments, computer program is when executed Processor 304 is set to be able to carry out the feature of above-described embodiment.Correspondingly, such computer program represents computer system 300 Controller.
Software can be stored in computer program product, and use removable Storage driver 314, memory driver 312 or interface 340 be loaded into computing device 300.It alternatively, can be by communication path 326 by computer program product Download to computer system 300.When being executed by processor 304, software make computing device 300 execute embodiment described herein Function.
It should be understood that the embodiment of Fig. 3 is only used as example to present.Therefore, in some embodiments, computing device 300 one or more features can be omitted.Moreover, in some embodiments, the one or more features of computing device 300 It can be grouped together.In addition, in some embodiments, the one or more features of computing device 300 can be divided into one A or multiple component parts.
In one implementation, it cheats and determines that server 122 can be generically described as including at least one processing The physical equipment of device 402 and at least one memory 404 including computer program code.At least one processor 404 and meter Calculation machine program code is configured as making physical equipment execute the operation described in Fig. 2 B together at least one processor 402. In one realization method, payment network server 108 and the server 114 based on wallet can be additionally configured to execute in Fig. 2 B The fraud of description determines the operation of server 122.Show that fraud determines an example of server 122 in Fig. 4.
It will be understood to those of skill in the art that can to shown in specific embodiment the present invention carry out it is a variety of variation and/ Or modification, without departing from such as broadly described the spirit or scope of the present invention.For example, above description mainly discusses bluetooth connection Use, it should be appreciated that, in alternative embodiments can use another type of safe wireless connect (such as Wi-Fi) To realize this method.Some modifications, such as access point is added, change logs in routine etc. and can be considered and merge.Therefore, this reality Example is applied to be considered to be illustrative and be not restrictive in all respects.

Claims (23)

1. it is a kind of for determine by digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent computer The method of realization, the method includes:
Receive and be currently based on the related transaction data for being currently based on wallet of transaction of wallet, the friendship for being currently based on wallet Digital wallet user digital wallet account to be used described in easy Data Identification;
One or more profiles related with the digital wallet owner are identified based on the transaction data for being currently based on wallet Feature, the digital wallet owner are the owners of identified digital wallet account;
History payment card transaction data, the history payment card transaction are retrieved based on the one or more profiles identified Data are related to meeting multiple history Payment Cards of multiple Payment Card owners of all identified one or more profiles Transaction, and the prediction of the buying behavior of the designation number wallet owner;And
Compare the transaction data for being currently based on wallet and the history payment transaction data to determine the transaction for being currently based on wallet Whether it is fraudulent.
2. according to the method described in claim 1, wherein, the transaction for receiving and being currently based on wallet relevant is currently based on wallet Transaction data the step of further comprise cheating score to the transaction allocation for being currently based on wallet, the fraud score indicates to work as The preceding transaction based on wallet is the possibility of fraudulent.
3. according to the method described in claim 2, wherein, the comparison is currently based on the transaction data of wallet and history payment is handed over Easy data are currently based on that the step of whether transaction of wallet is fraudulent further includes with determination:
The fraud score is updated when the transaction for being currently based on wallet is determined as fraudulent.
4. according to the method in claim 2 or 3, wherein be currently based on the transaction data of wallet described in relatively and described go through The step of history payment transaction data further includes being compared the fraud score with predetermined threshold.
5. described current when the fraud score is more than the predetermined threshold according to the method described in claim 4, wherein Transaction based on wallet is determined as fraudulent.
6. according to any method of the preceding claims, further including:
It obtains digital wallet user and initiates the mark of the businessman of the transaction for being currently based on wallet with it;And
The mark of the businessman and businesses lists are compared to determine whether the transaction for being currently based on wallet is fraud Property, the businesses lists include being identified as not being authorized to the businessman for initiating transaction.
7. according to the method described in claim 6, further including when the transaction for being currently based on wallet is determined as fraudulent Score is cheated described in Shi Gengxin.
8. according to any method of the preceding claims, further including:
Determine current production data associated with the transaction for being currently based on wallet;And
Whether the current production data and product data list are compared to determine the transaction for being currently based on wallet It is fraudulent, the product data list includes the product bought via the digital wallet owner.
9. according to any method of the preceding claims, further including:
Determine the login attempt number of the digital wallet account of the digital wallet owner.
10. according to the method described in claim 9, further including:
The digital wallet equipment used in the transaction of wallet is currently based on described in identification;And
The digital wallet equipment and one or more digital wallet equipment are compared to determine described to be currently based on wallet Transaction whether be fraudulent, one or more of digital wallet equipment include being authorized to that represent the digital wallet all The equipment that person initiates the transaction based on wallet.
11. according to the method described in claim 10, further including:
When the transaction of wallet is currently based on described in the determination is fraudulent, to being included in one or more digital wallet equipment Digital wallet equipment sends checking request;And
Based on the transaction for being currently based on wallet described in verification input clearing.
12. it is a kind of for determine by digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent device, Described device includes:
At least one processor;And
At least one processor including computer program code;
At least one processor and the computer program code are configured as making using at least one processor described Device is at least:
Receive and be currently based on the related transaction data for being currently based on wallet of transaction of wallet, the friendship for being currently based on wallet Easy Data Identification digital wallet user digital wallet account to be used;
It is identified and the relevant one or more profiles of the digital wallet owner based on the transaction data for being currently based on wallet Feature, the digital wallet owner are the owners of identified digital wallet account;
History payment card transaction data, the history payment card transaction are retrieved based on the one or more profiles identified Data are related to meeting multiple history Payment Cards of multiple Payment Card owners of all identified one or more profiles Transaction, and indicate the prediction of the buying behavior of the digital wallet owner;And
Compare the transaction data for being currently based on wallet and the history payment transaction data to be currently based on money described in determination Whether the transaction of packet is fraudulent.
13. device according to claim 12, wherein at least one processor and the computer program code are also It is configured as making reception using at least one processor and is currently based on the relevant wallet that is currently based on of transaction of wallet Transaction data further includes:To being currently based on the transaction allocation fraud scoring of wallet, the fraud scoring instruction is presently described to be based on The transaction of wallet is the possibility of fraudulent.
14. device according to claim 13, wherein at least one processor and the computer program code are also It is configured as updating when the transaction for being currently based on wallet is determined as fraudulent using at least one processor The fraud score.
15. the device according to claim 13 or 14, wherein at least one processor and the computer program generation Code is configured to be compared the fraud score with predetermined threshold using at least one processor.
16. device according to claim 15, wherein described to work as when the fraud score is more than the predetermined threshold The preceding transaction based on wallet is determined as fraudulent.
17. according to the device described in any one of claim 12-16, wherein at least one processor and the meter Calculation machine program code is additionally configured to utilize at least one processor:
It obtains the digital wallet user and initiates the mark of the businessman of the transaction for being currently based on wallet with it;And
The mark of the businessman and businesses lists are compared to determine whether the transaction for being currently based on wallet is fraud Property, the businesses lists include being identified as not being authorized to the businessman for initiating transaction.
18. device according to claim 17, wherein at least one processor and the computer program code are also It is configured as updating when the transaction for being currently based on wallet is determined as fraudulent using at least one processor The fraud score.
19. according to the device described in any one of claim 12-18, wherein at least one processor and the meter Calculation machine program code is further configured to utilize at least one processor:
Determine current production data associated with the transaction for being currently based on wallet;And
Whether the current production data and product data list are compared to determine the transaction for being currently based on wallet It is fraudulent, the product data list includes the product bought by the digital wallet owner.
20. according to the device described in any one of claim 12-19, wherein at least one processor and the meter Calculation machine program code is additionally configured to utilize at least one processor:
Determine the login attempt number of the digital wallet account of the digital wallet owner.
21. according to the device described in any one of claim 12-20, wherein at least one processor and the meter Calculation machine program code is additionally configured to utilize at least one processor:
The type of the digital wallet equipment used in the transaction of wallet is currently based on described in identification;And
The digital wallet equipment and one or more digital wallet equipment are compared to determine described to be currently based on wallet Transaction whether be fraudulent, one or more of digital wallet equipment, which are listed, is authorized to that represent the digital wallet all The equipment that person initiates the transaction based on wallet.
22. device according to claim 21, wherein at least one processor and the computer program code into One step be configured to using at least one processor come:
When the transaction of wallet is currently based on described in the determination is fraudulent, to being included in one or more digital wallet equipment Digital wallet equipment sends checking request;And
Based on the transaction for being currently based on wallet described in verification input clearing.
23. a kind of computer readable storage medium being stored thereon with computer program code, the computer program code exist The computer is set to execute method according to any one of claim 1 to 11 when being executed by computer.
CN201680075919.4A 2015-10-27 2016-12-19 Determine digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent method Pending CN108431847A (en)

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SG10201510818RA SG10201510818RA (en) 2015-10-27 2015-12-31 Method For Determining If A Current Wallet-Based Transaction Initiated By A Digital Wallet User Is Fraudulent
PCT/US2016/067472 WO2017116794A1 (en) 2015-10-27 2016-12-19 Method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent

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WO2017116794A1 (en) 2017-07-06
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US20170116599A1 (en) 2017-04-27
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